- Consequential loss
- Depreciation wear and tear
- Damage to tyres (unless damage is caused to other parts of the car at the same time)
- Loss, damage or liability arising from an accident which the Insured or authorised driver is under the influence of alcohol (over the prescribed limit by law)
Private Motor Insurance is underwritten by MSIG Insurance (Hong Kong Limited) ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.
The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.
Private Motor Insurance, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.
In respect of an eligible dispute arising between SCBHK and the customer out of the selling process or processing of the related transaction, SCBHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer.